About the position
We are seeking experienced Credit Underwriters to join a dynamic team supporting a major mortgage program. This is a fully remote position offering flexibility and competitive pay. As a Credit Underwriter, you will issue credit decisions based on documented borrower profiles while adhering to program guidelines and client requirements.
This role is project-based, meaning work volume may vary depending on client needs. While efforts will be made to provide consistent assignments, there may be periods of reduced or no work.
Responsibilities
• Underwrite residential mortgage loans in accordance with Conventional guidelines.
• Analyze credit reports, income, assets, and appraisals to assess risk and compliance.
• Utilize AUS engines such as Loan Prospector, Desktop Underwriter, AssetWise, and other LOS systems.
• Identify potential fraud exposure and ensure adherence to federal, state, and local regulations.
• Meet daily production and quality targets while clearing conditions within audit standards.
• Collaborate with team members and communicate effectively in a remote environment.
• Ability to work overtime and weekends when needed.
Requirements
• 2–4+ years of recent frontline manual underwriting experience with Conventional, FHA, VA, Jumbo, Non-QM, and QM products.
• Strong knowledge of Fannie Mae/Freddie Mac guidelines, HVCC, RESPA, and compliance regulations.
• Proficiency in Microsoft Office Suite and underwriting systems (DU, LP).
• Excellent analytical, problem-solving, and communication skills.
• Ability to thrive in a fast-paced, metrics-driven environment.
• High School Diploma or equivalent required.
• Must have a quiet, productive workspace and hard-wired internet connection.
Nice-to-haves
• Associate degree or equivalent industry experience preferred.
Benefits
• Medical Plans - 2 different plans offered
• Goodpath - available at no cost if enrolled in a Covius medical health plan. Virtual care for pain, stress, sleep, etc.
• Health Savings Account - tax free savings account. Eligible if enrolled in a medical health plan
• Dental - 2 different plans offered
• Vision - one plan offered
• Life and Disability - company paid employee basic life and AD&D insurance. Can purchase supplemental life and/or AD&D coverage
• Supplemental Insurance - can purchase accident, hospital indemnity, and/or critical illness supplement insurance
• Medicare - free online resources for anyone who is Medicare-eligible
• Employee Assistance Program - 24/7 access to life assistance resources at no cost
• 401 (K) Retirement Savings - up to 3% company match, fully vested in company contributions after 1 year
Apply Now
Apply Now